You know, I see a lot of people complaining about
DVC. If you don't want to own, then don't own. Disney didn't force you to sign on. I just became a member last week (just waiting for the member letter in the mail). Here is why I bought into DVC:
1) I don't look at it as an investment. The only vacations in which I expect a return on my money is when I go to Vegas. I look at it as an excuse to take a vacation every 2 years. Sometimes I need that kind of kick in the seat to go enjoy myself.
2) I like the flexibility of going every 2 years as opposed to going every year (like other timeshares). This lets me avoid high airfare prices every other year (which by the way, Disney doesn't make money on).
3) I took my DD11 on
DCL for the first time last year. Since I don't live with her everyday, I had no idea how into Disney she is. BeIng part of a "Disney" vacation club (regardless of how non exclusive it is to me) makes HER feel special. Kind of like believing in the tooth fairy.
4) Outside of the upfront cost, for the next 43 years, my vacation lodging will be covered by my tax refund (kind of convenient that MFs are due right around refund time). My refunds are extra money so I won't notice the MFs at all.
5) I know RCI exchanges are not as valuable as DVC stays, but if I really want to go somewhere outside of DVC, I can (again I can avoid giving Disney money if I want).
6) Just because I stay at my home resort (AKV), that doesn't mean I have to spend tons of money on park passes and food every time I go (can cook my own food, enjoy the resort amenities, etc.). Sometimes it's nice knowing you have a place to get away to.
7) Knowing I can send my DD to Florida as a college graduation gift down the road, or send her to honeymoon in Hawaii ( both things she said she would love). I also have a DS not even a year old yet. I can give those things to him as well.
8) Being able to decide one year to stay a week or so with my own family, or save some points and have family join me in a 2 bedroom another year. Again, flexibility.
9) Disney offers an experience that most other entities can't provide. Just like going to a fancy restaurant as opposed to going to Outback. You pay a premium for the experience.
There are other reasons as well, these are just a few. BTW, I bought resale so I saved money up front as well.